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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,046 | $53,546-64.4% | $69,890-72.7% | $68,490-72.2% |
| Participation rate | 78.8% | 64.5%+14.3pp | 70.5%+8.4pp | 67.9%+10.9pp |
| Annual return | -25.08% | -13.87%-11.2pp | 190.84%-215.9pp | -7.85%-17.2pp |
| Employer contribution / active EE | $2,493 | $2,019+23.5% | $2,560-2.6% | $2,597-4.0% |
| Participant deferral / active EE | $3,747 | $2,957+26.7% | $3,848-2.6% | $4,028-7.0% |
| Admin fee / account holder | $756 | $4,693-83.9% | $6,267-87.9% | $5,403-86.0% |